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Farmers National Bank of Stafford, The

Stafford, KS · Cert 4775

FDIC · 4 branches

Q2 2025

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in KS3

Basis

Quarter: Q2 2025, the quarter ended June 30, 2025, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in KS (n=101). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

27

Q2 2024Q2 2025peer median (50)

Asset Quality

78

Q2 2024Q2 2025peer median (50)

Profitability

15

Q2 2024Q2 2025peer median (50)

Liquidity

82

Q2 2024Q2 2025peer median

Efficiency

1

Q2 2024Q2 2025peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Farmers National Bank of Stafford, The

Stafford, KS · Cert 4775

FDIC · 4 branches

Q2 2025

$133.6MAssets
$81.7MLoans
$121.7MDeposits
$11.2MEquity
Loan mix
83%RE $43.0M13%C&I $7.0M4%Consumer $1.8MQ3 2023Q2 2025
Deposit mix
79%Interest-bearing $96.3M21%Noninterest $25.5MQ3 2023Q2 2025

Executive Summary

  • Earnings: ROA of -0.10%, down 51 bps year over year; NIM at 3.24%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.79%, down 43 bps from a year ago.
  • Funding: loans stand at 67.16% of deposits as of Q2 2025.

Return on Assets (YTD, annualized)

-0.10%-51 bps YoY

Net Interest Margin (YTD, annualized)

3.24%+48 bps YoY

Efficiency Ratio (YTD, annualized)

104.21%+2,138 bps YoY

Tier 1 Leverage Ratio

8.79%-43 bps YoY

NIM

3.61%Q2 ’234.25%Q2 ’244.74%Q2 ’25-6%+17%

Non-interest income vs. expense

2.42%Q2 ’232.47%Q2 ’244.38%Q2 ’25+3%+52%

Year to date, annualized, through each quarter.

MetricQ3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024Q1 2025Q2 2025YoY ΔTrend
Earnings
Return on Assets0.52%0.49%0.51%0.41%0.47%0.56%0.68%-0.10%-51 bps
Return on Equity7.18%6.51%6.37%5.17%5.90%6.86%7.99%-1.18%-635 bps
Net Interest Margin3.00%3.00%2.79%2.76%2.74%2.84%3.18%3.24%+48 bps
Efficiency Ratio78.32%79.64%80.15%82.83%81.44%79.33%83.74%104.21%+2,138 bps
Non-Interest Burden2.28%2.33%2.18%2.24%2.18%2.19%2.36%3.41%+117 bps
Growth
Asset Growth (YoY)-11.88%-6.37%1.17%6.61%10.41%6.82%3.04%1.61%-500 bps
Loan Growth (YoY)5.02%4.25%4.34%6.77%8.37%10.80%11.21%6.94%+17 bps
Deposit Growth (YoY)-13.63%-11.63%0.36%5.83%9.26%10.55%1.73%2.56%-328 bps
Asset Quality
Nonperforming Loans / Loans0.09%0.00%0.21%0.00%0.00%0.00%0.11%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%-0.01%-0.01%0.00%0.00%0.00%0.00%+1 bps
Allowance / Loans1.14%1.09%1.07%1.05%1.07%1.00%0.98%0.98%-7 bps
Allowance Coverage of NPLs12.1xn/a5.1xn/an/an/a9.0xn/an/a
Capital
Tier 1 Leverage Ratio9.42%9.52%9.21%9.21%9.00%9.31%9.14%8.79%-43 bps
Total Risk-Based Capital9.42%9.52%9.21%9.21%9.00%9.31%9.14%12.60%+338 bps
Equity / Assets7.75%8.29%7.70%7.82%8.37%8.59%8.41%8.41%+59 bps
Liquidity & Funding
Loans / Deposits63.94%69.70%61.78%64.41%63.42%69.86%67.53%67.16%+275 bps
Liquid Assets / Assets0.06%0.04%0.07%0.13%0.05%0.03%0.01%0.64%+51 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Farmers National Bank of Stafford, The

Stafford, KS · Cert 4775 · Peer group: banks under $1B in assets in KS (n=101)

FDIC · 4 branches

Q2 2025

$133.6MAssets
$81.7MLoans
$121.7MDeposits
$11.2MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in KS (rank 23 of 101).
  • Widest gap: efficiency ratio trails 99% of banks under $1B in assets in KS (rank 101 of 101).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.10%

Rank 100 of 101

Net Interest Margin

3.24%

Rank 59 of 101

Efficiency Ratio

104.21%

Rank 101 of 101

Equity / Assets

8.41%

Rank 70 of 101

Non-interest income vs. expense

$1.3M$6.0MINCOMEEXPENSE
Unfavorable gap of $4.7M · efficiency ratio beats 1% of banks under $1B in assets in KS
Bank 104.21%Peer median 61.4%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets-0.10%0.89%1.13%1.40%Beats 1%100 / 101
Return on Equity-1.18%8.18%10.72%13.42%Beats 1%100 / 101
Net Interest Margin3.24%3.07%3.37%3.77%Beats 42%59 / 101
Efficiency Ratio104.21%53.09%61.45%67.38%Beats 1%101 / 101
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.23%1.02%Beats 100%23 / 101
Net Charge-Offs / Loans0.00%n/a0.00%0.03%Beats 55%46 / 101
Capital
Tier 1 Capital Ratio11.81%12.12%14.01%17.22%Beats 22%79 / 101
Total Risk-Based Capital Ratio12.60%12.27%14.49%18.09%Beats 29%72 / 101
Equity / Assets8.41%7.85%10.57%13.25%Beats 31%70 / 101
Liquidity & Funding
Loans / Deposits67.16%54.19%71.53%82.08%42nd pctl59 / 101
Loans / Assets61.19%48.29%59.15%67.91%54th pctl46 / 101
Brokered Deposits / Depositsn/aNot reported for this institution